In this episode, we break down the truth about today’s housing market, no sugarcoating. Should you wait for rates to drop? Why are people still getting priced out? And what’s really happening behind the scenes?Our guest shares the insane story of a client who committed $8 million in fraud, the moment he almost quit the industry, and the biggest lessons he learned from it.We also dive into simple steps to improve your credit, how to prepare for a mortgage, why waiting might cost you more, and what you should actually do if you’re trying to buy a house in today’s market.If you want real talk about real estate, credit, and surviving this chaotic market..this episode is for you.Find us: Instagram: realtor.tmg and _isaac_ramirezLinkedIn: Tristan Guerrero and Isaac RamirezEmail: tristan.wcpb@gmail.com or westcoastpropertybros@gmail.comGuest:Instagram: cubiehernandezLinkedIn: Cuberto HernandezChapters:00:00 Intro00:20 $8M Fraud02:40 Bad Mortgages or Lazy Buyers?04:20 Should you wait for the rates to drop?05:20 20% Down or Not?06:30 Should you trust the little guys?08:50 Owning a home is not a flex?10:30 One thing that can SCREW you over.